# Michael White, CFA

> Senior Full-Stack Tech Lead (TypeScript/Node/React) | FinTech | Shipping Products & Modernizing Architecture | Ex-IB, Ex-PE

Location: New York City Metropolitan Area, United States
Profile: https://flows.cv/michaelwhitecfa

Full-stack tech lead in fintech with end-to-end ownership from concept to scaled production systems. I ship revenue-driving products and modernize architecture, performance, and developer experience across teams.

Highlights
• Led Alloy’s Embedded Finance suite from whiteboard to launch, driving $10M+ net-new ARR in year one
• Set frontend direction via a ~100k LoC React SPA reference architecture adopted org-wide
• Rebuilt internal data-access patterns, delivering ~15% p95 API improvements with zero rollout incidents
• Drove Webpack→Vite and Jest→Vitest migrations, cutting CI time 90%
• Built internal tooling that reduced onboarding from hours to minutes

I’m at my best where product, platform, and execution meet: technical strategy, pragmatic architecture, performance/observability, and raising the quality bar through standards and mentorship. CFA background; comfortable partnering with Sales/Finance/Execs on ROI-driven prioritization.

## Work Experience
### Senior Software Engineer @ Alloy
Jan 2022 – Present | New York, New York, United States
Full-Stack Tech lead with end-to-end ownership across product, platform, and org-wide engineering standards. Built and scaled customer-facing fintech products while modernizing architecture and accelerating delivery through tooling, performance, and developer experience improvements.

- Tech Lead for Alloy’s Embedded Finance product suite; partnered across a 50-engineer org to ship from concept to launch, driving $10M+ net new ARR in year one.
- Served as EMEA Tech Lead to accelerate European expansion; partnered with Sales/Product/Support and introduced ROI prioritization models (NPV/IRR) to focus roadmap on higher-payback, lower-maintenance work.
- Set frontend direction by building a ~100k LoC reference implementation for next-gen architecture, consolidating multiple legacy React/Django entry points into a unified React SPA; led RFC process, incorporated feedback, secured exec buy-in, and landed new org-wide standards (types, routing, linting, testing).
- Rebuilt internal DB access layer to remove deprecated patterns/dependencies and improve query efficiency, observability, and documentation; delivered ~15% p95 API latency improvement with zero rollout incidents.
- Led the Frontend Guild (cross-team standards + quality); drove major upgrades/migrations (React, Webpack→Vite, Jest→Vitest) cutting CI time 90% (24m→2.5m); achieved 100% Storybook coverage for 50+ design-system components, increasing adoption 40%.
- Reduced onboarding time 90% (7h→30m) by building an internal developer CLI as part of the Engineering Enablement team; standardized org-wide linting/formatting/build tooling, reducing PR review time 25%.
- TypeScript champion: rewrote 5+ internal libraries to 100% strict type-safety and 90% unit test coverage; raised org TypeScript maturity via training, mentoring, and best-practice guidance.

### Chief Financial Officer @ Mechanical X Advantage, LLC
Jan 2020 – Jan 2021 | Philadelphia, Pennsylvania, United States
Mechanical X Advantage (MXA) is a 12-person, angel-funded startup that was focused on building a new cloud technology platform for data centers and high-rise real estate. MXAs software product specialized in automating the management and analytics of commercial HVAC and other high-cost industrial equipment. 

- Strategized on growth initiatives with the company’s exec team, and presented recommendations, as well as monthly financial reports, to the board of directors and outside investors
- Spearheaded the adoption of multiple new business software suites, including accounting, reporting, HR, remote operations, and team collaboration software, resulting in a 75% decrease in time investment for monthly close operations
- Effectively standardized companywide reporting packages and financial planning processes to project revenue, expenses, and cashflow on a monthly, quarterly, and annual basis

### Director of Technology @ Mechanical X Advantage, LLC
Jan 2020 – Jan 2021 | Philadelphia, Pennsylvania, United States
Director of Technology and lead software engineer for MXA’s proprietary cloud software platform.

- Established the development lifecycle for MXA’s software platform by building product roadmaps, setting engineering priorities, driving feature sprints, and designing UI and UX interactions
- Led full stack development, creating multiple web applications in TypeScript, using React, Node.js, Postgres and GraphQL
- Analyzed key metrics used to forecast adoption and growth, and conducted customer interviews on a weekly/monthly basis, integrating the findings into future development sprints to further the software adoption and product value proposition

### Board Observer @ QuarterSpot
Jan 2019 – Jan 2020 | New York, New York

### Senior Analyst @ Patriot Financial Partners
Jan 2018 – Jan 2020 | Greater Philadelphia Area
Patriot Financial is a $1B+ AUM Private Equity firm focused on the FIG vertical; specifically regional and community banks, and the technology that powers them.

- Led analysis for the firm’s first three investments in the FinTech vertical, including technical due diligence, valuation modelling, and term sheet structuring, ultimately resulting in three portfolio investments totaling over $50MM
- Built financial models to evaluate new growth equity deals and analyze the firm’s 30+ portfolio companies on a quarterly basis
- Researched 50+ publicly traded FIG companies and formulated long/short investment theses for the creation and development of the firm’s first actively managed hedge fund vehicle, including utilizing derivatives to create arbitrage return strategies
- Served as board representation for portfolio companies

### Investment Banking Associate @ Gladstone Associates, LLC
Jan 2017 – Jan 2018 | Greater Philadelphia Area
Gladstone Associates is a middle market FIG boutique, specifically focusing on buy side and sell side M&A transactions for Investment Advisors and Asset Managers.

- Created all financial models (operating, cashflow, and valuation) for 12 deals totaling over $35B in AUM
- Performed due diligence analyses, oversaw the creation of marketing materials, and presented investment findings in client meetings supporting both buy side and sell side processes
- Managed the analyst program, including hiring, training, supervising, and distributing analyst staffing across engagements
- Integrated new accounting, invoicing, and CRM software, as well as implementing a permanent virtual data room solution
- Redesigned and developed the company website by creating a custom WordPress theme in PHP, saving the company over $50k 
- Developed proprietary valuation tools using VBA and dynamic Excel functions, reducing the time required to spin up financial models for new mandates by 90%

### Financial Analyst @ UBS
Jan 2016 – Jan 2017 | Greater Philadelphia Area
- Curated investment strategies for over 50 high-net-worth clients ($10MM+ in investible assets) 
- Analyzed clients’ financial assets, cashflow, and goals to create allocation strategies that maximized efficacy
- Communicated recommendations for asset allocations, estate solutions and philanthropic requests directly to clients

### Client Service Associate @ JPMorgan Chase & Co.
Jan 2014 – Jan 2016 | Newark, DE
- Managed 30+ client relationships for the EMEA ultra-high-net-worth ($50MM+ in investible assets) team
- Executed client-directed trades in mutual funds, money markets, and foreign exchange, totaling $50MM+ daily
- Trained new hires in preparation for the Series 7 and Series 63 securities exams, and on use of internal software systems

### Financial Analyst Intern @ North Star Resource Group
Jan 2012 – Jan 2013 | Philadelphia, PA
Responsible for client acquisition for an investment adviser targeting health care professionals.

- Evaluated 1,000+ prospective clients based on occupation, age, salary and location, converting over 10% and generating an incremental annual fee income of over $500k
- Constructed client pitch books, providing information on portfolio allocations, investment returns, available coverage products and management fees

### Co-Founder @ CampusUBooks.com
Jan 2010 – Jan 2012 | Philadelphia, PA
Created an online market for students to trade books required for upcoming classes. Although CampusUBooks experienced initial success, growing to 500+ active users in 3 weeks, it eventually closed due to financial constraints.

- Collaborated with a team of two developers, focusing on improving UI and implementing UX feedback gained from user interviews and requests
- Coached five marketing employees, including assigning locations on campus to canvas, distribution of advertising materials, and orchestrating promotional events
- Coordinated multiple print marketing and word-of-mouth publicity campaigns

### Business Development Intern @ Leadnomics
Jan 2011 – Jan 2012 | Philadelphia, PA
- Maintained marketing affiliate networks, promoting new partnerships and reengaging existing partners when benefit incentives were updated
- Researched and pitched over 100 new business clients, with a 20+% close rate of new business agreements
- Led data organization, distribution, and general management for 3 newly developed products
- Coordinated A/B product tests with engineering to provide marketing guidance to clients
- Frequently pitched senior executives on product line expansions

### Operations Management Intern @ NorthTec - Estee Lauder
Jan 2010 – Jan 2011 | Bristol, PA
- Designed and integrated a macro program for the proprietary shipping system, decreasing tracking time by 50% and saving more than 5 hours/operations employee/week
- Orchestrated the routing and handling of high priority product shipments, including assigning and managing the appropriate staff, to ensure timely and safe delivery
- Analyzed shipment payloads to determine optimal shipper assignment and delivery costs, saving the company several million in shipping fees


## Education
### Bachelor's of Science in Finance, Entrepreneurship and Legal Studies
Drexel University
Jan 2009 – Jan 2014


## Contact & Social
- LinkedIn: https://linkedin.com/in/mwhite22

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Source: https://flows.cv/michaelwhitecfa
JSON Resume: https://flows.cv/michaelwhitecfa/resume.json
Last updated: 2026-03-23